Citizens & Northern (CZNC) versus The Competition Head-To-Head Comparison

Citizens & Northern (NASDAQ: CZNC) is one of 308 publicly-traded companies in the “Banks” industry, but how does it weigh in compared to its competitors? We will compare Citizens & Northern to similar businesses based on the strength of its profitability, dividends, institutional ownership, risk, valuation, analyst recommendations and earnings.

Insider and Institutional Ownership

29.1% of Citizens & Northern shares are held by institutional investors. Comparatively, 52.0% of shares of all “Banks” companies are held by institutional investors. 4.3% of Citizens & Northern shares are held by insiders. Comparatively, 10.4% of shares of all “Banks” companies are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares Citizens & Northern and its competitors’ net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Citizens & Northern 25.58% 8.33% 1.26%
Citizens & Northern Competitors 18.83% 8.20% 0.93%

Earnings & Valuation

This table compares Citizens & Northern and its competitors revenue, earnings per share and valuation.

Gross Revenue Net Income Price/Earnings Ratio
Citizens & Northern $60.77 million $15.76 million 19.02
Citizens & Northern Competitors $5.50 billion $827.87 million 392.98

Citizens & Northern’s competitors have higher revenue and earnings than Citizens & Northern. Citizens & Northern is trading at a lower price-to-earnings ratio than its competitors, indicating that it is currently more affordable than other companies in its industry.

Dividends

Citizens & Northern pays an annual dividend of $1.04 per share and has a dividend yield of 4.2%. Citizens & Northern pays out 80.6% of its earnings in the form of a dividend, suggesting it may not have sufficient earnings to cover its dividend payment in the future. As a group, “Banks” companies pay a dividend yield of 1.8% and pay out 35.0% of their earnings in the form of a dividend.

Risk and Volatility

Citizens & Northern has a beta of 0.46, meaning that its share price is 54% less volatile than the S&P 500. Comparatively, Citizens & Northern’s competitors have a beta of 0.78, meaning that their average share price is 22% less volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current ratings for Citizens & Northern and its competitors, as provided by MarketBeat.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Citizens & Northern 0 1 0 0 2.00
Citizens & Northern Competitors 2420 8777 8736 361 2.35

Citizens & Northern presently has a consensus target price of $26.00, suggesting a potential upside of 5.95%. As a group, “Banks” companies have a potential downside of 9.55%. Given Citizens & Northern’s higher probable upside, equities research analysts plainly believe Citizens & Northern is more favorable than its competitors.

Summary

Citizens & Northern competitors beat Citizens & Northern on 10 of the 15 factors compared.

Citizens & Northern Company Profile

Citizens & Northern Corporation is a holding company. The Company’s principal activity is community banking. The Company, through its subsidiaries, is engaged in providing a range of banking and mortgage services to individual and corporate customers in North Central Pennsylvania and Southern New York State. It offers lending products, which include mortgage loans, commercial loans and consumer loans, as well as specialized instruments. Its deposit products include various types of checking accounts, passbook and statement savings, money market accounts, interest checking accounts, individual retirement accounts (IRAs) and certificates of deposit. It provides trust and financial management services, including administration of trusts and estates, retirement plans, and other employee benefit plans, and investment management services. Its subsidiaries include Citizens & Northern Bank (C&N Bank or the Bank), Citizens & Northern Investment Corporation and Bucktail Life Insurance Company.

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